Q. I have worked since I was 14. I am now just about to turn 50. I have been a hard worker during my life and my body just cannot take it anymore. I have made between $30 and $110,000 a year. My wife works and makes decent money. What are my options? I have not worked for the last two years.
A. If you have reached your minimum retirement age, you could retire under the MRA+10 provision; however, your annuity would be reduced by 5 percent for every year you were under age 60. Or, if you are at least 50 years old, you could wait until your agency fires you and receive a discontinued service retirement based on your years of service. Or you could apply for both Social Security disability benefits and FERS disability retirement. While you might not meet the “totally disabled” criterion for Social Security disability benefits, you may qualify for disability retirement.